You’re juggling student loans, car payments, and credit card balances while trying to save for retirement — and you’re not sure which should come first. Should you prioritize getting rid of those balances, or is it more important to keep investing for retirement? This is the dilemma GOBankingRates reader Veronica brought to our Top 100 Money Experts series. For You: I Paid Off $40K in 7 Months Doing These 5 Things Learn About: How To Get Guaranteed Growth On Your Money — Without Risking Your Principal To ...

财富管理误区 - 忽视日常支出管理可能导致财富流失，例如未监控支出模式会造成资金"泄漏" [2][3] - 持有过多现金会因通货膨胀侵蚀价值，并错失投资带来的复利增长机会 [3][4] - 长期储蓄应投资于股票和/或债券，而非仅存放在储蓄账户中 [4] 投资策略 - 投资广泛指数基金可获得约10%的年均回报率，长期来看风险将得到回报 [5] - 全权益投资组合中的资金大约每七年翻一番 [5] - 应急基金应保持相当于3-6个月生活费用的现金水平 [4]